Personal Loan Santacruz

Major Personal Loan Providers in Santacruz

Feature	HDFC Bank	Private Bank	Bajaj Finance
Interest Rate	10.75% - 17%	11.25% - 18.5%	0.12
Min Loan Amt	Metro : 75000 & Non Metro: 50000	50000	100000
Max Loan Amt	50 Lacs	50 Lacs	1 Cr
Loan Tenure	1 - 5 Years	1 - 5 Years	1 - 5 Years
Processing Fee	0.25% - 2% of the Loan Amt	1% - 2.5% of the Loan Amt	0.5% - 2% of the Loan Amt
Preclosure Charges	2%, Nil foreclosure charges after 12 months	2%, Nil foreclosure charges after 24 months	Nil
Overdraft Facility	No	No	Yes

Personal Loan Santacruz Features

For any kind of Personal requirement or need Personal Loans come in handy to make the ends meet. Dialabank helps you with processing and resolving queries regarding personal loans. The best part is you get flexible tenure options at your convenience.

This kind of advance might be affirmed in as long as 48 hours to get endorsed following the procedure of check.

Dialabank makes sure that you get your Personal Loan approved at a moderate loan fee while filing the application approval.

Also, there exists no stated end-use restriction on the use of the personal loan amount. This loan amount can be used in whatever way wanted.

In order to apply for a personal loan, Santacruz click on Personal Loan

Personal Loan Santacruz Interest Rates

Bank	Processing Fee	Prepayment Charges
HDFC Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 3 months
Axis Bank Personal Loan	0.50% to 1.50%	Nil
Private Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 9 months
SBI Personal Loan	500/- to 0.50%	Nil
Kotak Personal Loan	1% to 2%	2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan	Nil	Nil
Muthoot Personal Loan	Nil	Nil
Manappauram Personal Loan	Nil	Nil
PNB Personal Loan	0.70% to 1%	Nil
Canara Bank Personal Loan	0.01	Nil
Andhra Bank Personal Loan	Nil	Nil

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Documents for Personal Loan Santacruz

Salaried Customers:

1. Identity proof (Aadhar card/driving license) of the applicant
2. Statements for the salary of the past three months belonging to the applicant
3. Bank statements for the last 6 months of the applicant
4. PAN card of the applicant
5. Proof for Residence (Own/Rent/Company provided) of the applicant
6. Passport-size photograph – 2 of the applicant.

*NOTE: If one lives in rented apartments, a rent agreement needs to be attached.

Self-Employed Customers:

1. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar card of the applicant
4. Residence Proof of the applicant
5. Passport-sized photographs- 2 of the candidate

Eligibility Criteria for Personal Loan Santacruz

Click here to know more about personal loan eligibility

Salaried Applicants

1. The base age of the candidate ought not to be under 21 years or over 60 years.
2. The candidate must have a working understanding of any company for three years.
3. The applicant should have a clear credit history.
4. The job location of the applicant should be mentioned in the filed documents.
5. The borrower should have a minimum income of at least INR 25,000 p.m.

Click here to know more about a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The age of an independent person applying should be a minimum of 25 years.
2. The latest ITR of the candidate’s firm. In case the applicant is a businessman, then the business is required to be running well for the last 3 years.
3. The credit score of the applicant should be good and there must not be any debt or any dues pending.
4. The yearly income of the applicant should be no less than Rs 2.5 lakh.
5. The entire document verification process for the personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months.

Click here to know more about the personal loan for– Self-employed Applicant

Why Apply for Personal Loan Santacruz?

1. There is no hard and fast rule for the requirement of depositing any mortgage or collateral as a security to the bank.
2. A personal loan is a kind of multidimensional loan, so it can be put to use for any kind of such issue.
3. The amount of personal loans is entirely based on the repayment capacity of the applicant.
4. A Personal Loan does not require any nominee or guarantor.

How to apply for Personal Loan Santacruz?

1. Visit this website: www.dialabank.com.
2. \hen, go to the loan section and go to the personal loan link. It will direct you to the detailed information of the personal loan where you can pick your city. For more information and free guidance, please call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Santacruz

All Banks and NBFCs cost a certain fee to process a Personal Loan application. This cost varies between 1.5% to 2.5% of the sanctioned loan amount.

To know about the interest rate click on the personal loan interest rate

Personal Loan Santacruz EMI Calculator

Equated Monthly Installments or EMI implies a monthly fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period for which you take the loan.

CIBIL Score required for Personal Loan Santacruz

All the lending institutions have their own criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Santacruz. Mostly, the institutions need a minimum score of at least 750 to further process an application.

Personal Loan Santacruz Agents

Dialabank is one of the leading agents for availing Personal Loan in Santacruz. You can easily apply online at www.dialabank.com or give a call at 9878981166

Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website www.dialabank.com and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.

Personal Loan Santacruz Contact Number

Call 9878981166 and get timely assistance and approval for a Personal Loan in Santacruz.

Pre Calculated EMI Table for Personal Loan Santacruz

Click here for the personal loan EMI calculator

Rate	5 Yrs	4 Yrs	3 Yrs
10.50%	2149	2560	3250
11.00%	2174	2584	3273
11.50%	2199	2608	3297
12.00%	2224	2633	3321
12.50%	2249	2658	3345
13.00%	2275	2682	3369
13.50%	2300	2707	3393
14.00%	2326	2732	3417
14.50%	2352	2757	3442
15.00%	2378	2783	3466

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About Santacruz

Santacruz or Santa Cruz is a neighbourhood of Mumbai. The Santacruz Railway Station on the Mumbai Suburban Railway, the domestic terminal of the Mumbai Airport, and one campus of the University of Mumbai are all located in Santacruz.

FAQs About Personal Loan Santacruz

Who can apply for a Personal Loan in Santacruz?

The candidate with a financial crisis and have a regular source of income (from employment or business) can apply for a Personal Loan in Santacruz.

What is the tenure of Personal Loan in Santacruz?

Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks that extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Santacruz?

Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Santacruz:

Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: If you want to close a running loan before its decided tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges.

Can my application for Personal Loan Santacruz get rejected due to my CIBIL score?

Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t leave or delay any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.

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